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	<title>Comments on: Is Now The Time To Refinance?</title>
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	<link>http://www.fhaloanpros.com/2008/12/is-now-the-time-to-refinance/</link>
	<description>The Unofficial Guide to FHA Loans &#038; Mortgages</description>
	<pubDate>Sat, 21 Nov 2009 04:56:22 +0000</pubDate>
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		<title>By: John Storo</title>
		<link>http://www.fhaloanpros.com/2008/12/is-now-the-time-to-refinance/#comment-32257</link>
		<dc:creator>John Storo</dc:creator>
		<pubDate>Wed, 17 Dec 2008 21:31:52 +0000</pubDate>
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		<description>I got a call from my mortgage broker with Sempfi this morning.  He had a 4.5%, 30 year fixed FHA loan with no points.  No lock fee either.  The company is based in Providence RI.  Their website is www.sempfi.com.</description>
		<content:encoded><![CDATA[<p>I got a call from my mortgage broker with Sempfi this morning.  He had a 4.5%, 30 year fixed FHA loan with no points.  No lock fee either.  The company is based in Providence RI.  Their website is <a href="http://www.sempfi.com" rel="nofollow">http://www.sempfi.com</a>.</p>
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		<title>By: Brian LeBars</title>
		<link>http://www.fhaloanpros.com/2008/12/is-now-the-time-to-refinance/#comment-31379</link>
		<dc:creator>Brian LeBars</dc:creator>
		<pubDate>Mon, 08 Dec 2008 18:54:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.fhaloanpros.com/?p=797#comment-31379</guid>
		<description>Low rates are definitely attractive right now. The problem we are having in the Bay Area are housing values. Even if rates were to continue lower many homeowners are still unable to refinance. Hopefully FHA will help put a "floor" in the market.

Best,</description>
		<content:encoded><![CDATA[<p>Low rates are definitely attractive right now. The problem we are having in the Bay Area are housing values. Even if rates were to continue lower many homeowners are still unable to refinance. Hopefully FHA will help put a &#8220;floor&#8221; in the market.</p>
<p>Best,</p>
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